Overview
- About 60% of fully privately insured customers are expected to see an average premium increase of roughly 13% at the start of 2026, according to the PKV association.
- Private long‑term care premiums will also climb, by around 6% for civil servants and about 16% for employees and the self‑employed, lifting the average contribution for the latter from €104 to €122.64 per month.
- The association attributes the adjustments to rising benefit expenditures, with hospitals and pharmaceuticals identified as the main cost drivers.
- Final figures are not yet fixed and apply primarily to insurers that adjust at the calendar year start, and some companies may soften increases by using reserves or change rates later in 2026.
- The changes follow an average 18% increase in January 2025, and the insurance obligation threshold for private coverage will rise in 2026 to €6,450 per month (€77,400 per year).